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Lititz Mutual Insurance

Trusted, customer-focused insurance from Lititz Mutual—offering reliable coverage through independent agents with top-rated financial strength.

Lititz Mutual

Lititz Mutual Insurance Company stands as a reliable and customer-focused insurer, offering a broad spectrum of products through a mutual structure and independent agents. Their commitment to personalized service, financial stability, and core values ensures they meet the diverse needs of policyholders, backed by a strong AM Best rating and a mission centered on integrity and responsibility.

🛡️ Key Features

  • ✅ Policyholder-Owned — Focused on customer interests
  • ✅ Local Knowledge & Community Commitment
  • ✅ Strong, Consistent Financial Performance
  • ✅ Direct Agent Representation
  • ✅ Trusted Since 1888

⚡️ Product Overview

Lititz Mutual Insurance Company provides a variety of insurance options for individuals and small businesses. Their products include:

Homeowners Insurance

Provides comprehensive coverage for the home, personal possessions, and detached buildings like garages. It includes liability protection for accidents on or off the property and covers living expenses if the home is uninhabitable due to loss. Optional packages, such as VIP and A Plus, offer enhanced coverage for home, possessions, and liability, including Personal Injury liability.

Renters Insurance

Designed to protect renters against catastrophic loss of possessions and liability claims by others, offered at a reasonable cost to ensure affordability.

Rental Dwellings Insurance

Covers rental properties against losses caused by fire and other perils like wind and hail. Additional liability coverage can be added to protect against accidents where someone is injured on the property.

Business Insurance

Includes the Businessowner Policy (BOP), which protects against physical loss to buildings or personal property, liability claims for accidents on the property or due to products/services, lost business income from covered loss, and mechanical breakdown of equipment. Applicable to businesses such as apartments, offices, retail, services, contractors, churches, and restaurants. The Commercial Umbrella policy provides additional liability limits above auto and BOP policies, up to $2,000,000, at a cost of less than a dollar a day.

Farm Insurance

Tailored for farms in Pennsylvania, Virginia, and North Carolina, covering the home, personal property, barns, outbuildings, farm machinery, livestock, and other farm property. It includes liability protection that pays for damages due to bodily injury or property damage to others. The Lititz Mutual Farm Umbrella Policy offers $1,000,000 in additional liability limits above auto and farmowner policies, costing less than a dollar a day.

Umbrella Insurance

The Lititz Mutual Umbrella Policy, also known as Personal Umbrella insurance, provides additional liability coverage for bodily injury and property damage when claims exceed auto and homeowner policy limits, with coverage up to $5,000,000, at a cost of less than a dollar a day.

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🚀 What Makes Them Special

AHI Insurance Group proudly partners with Lititz Mutual Insurance Company, a carrier that shines through its reliance on independent agents like us. We deliver stability, dependability, and fast, personalized service, orchestrating coverage like maestros to fit your unique needs. As independent agents, we have the freedom to hand-pick the best insurance options from Lititz Mutual for you, ensuring a perfect match every time. Rooted in our community for the long haul, we thrive by putting you first—combining Lititz Mutual’s 130+ years of expertise with our local know-how to offer standout insurance solutions.

Ready for insurance that’s tailored just for you? Contact AHI Insurance Group today to explore how we can pair you with Lititz Mutual’s top-notch coverage!

🧭 Mission Statement

Lititz Mutual Insurance Company's mission is rooted in fostering progress through fidelity to the basic values established by its founders. These values include thrift, integrity, caring, reliability, quality, fairness, and a sense of responsibility to both agents and policyholders. The company is dedicated to perpetuating these ideals, joining tradition with future vision to ensure it remains a financially strong, well-managed entity. Their commitment is to provide fairly priced insurance products and responsive service, ensuring the financial peace of mind and satisfaction of their policyholders.

Lititz founded 1756

🥇 Accolades

Lititz Mutual Insurance Company has received recognition for its financial stability and service quality, notably through its long-standing relationship with AM Best. Since 1932, the company has been consistently recognized with an A (Excellent) rating or higher, with the current rating of A (Excellent) affirmed on August 8, 2024, by AM Best. This rating, issued by A.M. Best Rating Services, Inc., underscores their exceptional ability to provide policyholders with solid financial security, based on criteria such as financial size (Category IX, USD 250 Million to less than 500 Million) and operational integrity.

AM Best Rating

🎯 Customer Benefits

  • Personalized Service: Through independent agents, policyholders receive expert guidance and customized insurance solutions, ensuring coverage aligns with their specific needs and circumstances.
  • Financial Stability: The company is rated A (Excellent) by AM Best, a testament to its strong financial health and ability to meet policyholder obligations. This rating, effective as of August 8, 2024, has been maintained since 1932, reflecting consistent financial strength.
  • Competitive Pricing: Lititz Mutual is committed to providing fairly priced insurance products, ensuring value for money while offering comprehensive protection. Examples include umbrella and farm umbrella policies costing less than a dollar a day for significant additional coverage.
  • Comprehensive Coverage: The wide range of products, from homeowners to farm insurance, caters to various needs, including personal, rental, business, and agricultural, ensuring policyholders can find suitable coverage under one provider.

Get Started Today

We compare quotes from 50+ top insurance carriers.
Group Photo of the AHI Insurance Group Team

Get Started Online

Use our easy online application to enter your information and get personalized business insurance quotes from multiple top A-rated companies.
laptop user

Talk to an Agent

We're ready to answer all of your questions about our services and your insurance needs. Give us a call and speak to a licensed agent today
agent on phone
Call Us!